Hello, After asking for information made under the Consumer Credit Act on my credit card account, RBS sent me a letter and enclosed a copy agreement at the date the card agreement was made, a copy of the current terms of the card agreement and a copy of my latest statement. They also informed me that my account was being managed by Triton Credit Services and that I needed to contact them to arrange repayments but noted "I can confirm that your account has not been sold'. They've since passed the management of the account onto another debt collection agency, Newman. If they haven't sold my account, do I still have to deal with the debt collection agencies? Any advice and help would be most gratefully received. I recently gave birth to twins prematurely and one is still in the hospital with suspected brain damage so I just want to sort this out because the new debt collection agency keeps ringing me - even though they know my personal circumstances. Lovely people, eh? Thanks, Shannon

I'm trying to figure out who I'm supposed to be writing to now about my debt...Royal Bank of Scotland have passed it on to Triton Credit Services, I wrote to offer them the monthly payment I could afford and they haven't gotten back to me - instead I just received a letter from Green & Co Solicitors (who the letter says are employed by the Royal Bank of Scotland Group) saying that Triton is their client and demanding payment to Triton within the next seven days. There's no acknowledgment of my payment offer and because I was following the letters on the National Debtline website, I haven't sent a CCA request to anyone yet. Also because I'm not sure if that's the right thing to do when I know that I owe the money to RBS. Any advice on the next steps to take would be most appreciated...I'm about to go on maternity leave with twins and could do without the hassle and confusion but don't want to be a mug either!! Thanks, Shannon Forbush

Thanks for your help. I suppose the question is whether I'm supposed to be sending a CCA letter to Energy Collection Services? Or calling E-on direct to find out who exactly owns this debt so that I can take action with the right party? I thought that E-on couldn't pass on my account to a debt collection agency when it was in dispute? Or is this wrong? Thanks again,

Hello. Could anyone please help me with the letters to use and action to take regarding my credit card debt with Royal Bank of Scotland being passed to the debt collection agency Triton Credit Services? I want to take control of the situation as soon as possible - I'm seven and a half months pregnant with twins! - but am finding it difficult to find a step by step action plan within the forums. The long story, made as short as possible!, is that my partner was made redundant last year and we were finding it difficult to meet the £290 monthly minimum fees on our credit card. I admit to burying my head for a bit and making random payments when we could and it ended up with them cancelling my credit card and demanding full payment. I agreed to a payment plan of £145 a month with their collections department and kept to it. In May we had a bit more money so I paid two months payments - £290 - at once to cover May and June. Then in July I received a letter saying that my account was being passed to Triton Credit Services because I had missed a payment (June) - I've contested this over the phone with RBS and requested that my account be moved back to them but they're now refusing to speak to me, saying that I have to deal with Triton. Triton are demanding £400 a month, threatening legal action, despite the fact that I've been making the £145 payments for July and August to show willing. Does anyone know what I can do to sort this situation out? And do I write to Triton or communicate with RBS? Any help would be most gratefully received! Thank you.

Hi. I'm looking for urgent advice/help on dealing with my arrears with E-on and the fact that they've instructed a debt collection agency (or their own in-house team?) Energy Collection Services to settle the debt in the next seven days or face legal action. The long story hopefully shorter is that for the past year I've been paying £150 a month by direct debit to cover usage and bring down my arrears and periodically they've asked me to pay more to bring down the arrears more quickly but my partner was made redundant and is starting up his own business and we can't afford more than what I'm paying. Now all of a sudden they're getting more aggressive - wouldn't accept my direct debit of £150 (they're asking for nearly double) but I've continued to pay it by standing order to show willing, and now I've received this letter threatening a doorstep visit and legal action. And all this is despite me letting them know that I'm seven months pregnant with twins and the main provider for a family of three, not to mention paying for my partner's maintenance for his children! I haven't really been able to find which letters to use and in what order to take control of this situation so any advice and pointers would be most gratefully received. Thanks,

Hi. Although I was successful in my bid to reclaim £900 from HSBC, they're putting my partner through the ringer. One week after he sent in his first letter to them, he received a letter saying that he was in default on his loan and had to pay up. He did miss two payments but that was months and months ago, so I'm a bit suspicious of their timing... Has anyone been in this position before? If so, what happened? Any advice most gratefully received! Thanks, Shannon